I wasn't sure of the price range you were looking for, but I love my Rio Chiba. It has memory & FM built in and an additional card slot that is only limited to the card you have; makes it real easy to keep a few cards on-hand, maybe seperated by catagory. I like that method better than a player with just on-board memory and even though the HDD players are much bigger, the no moving parts of the flash versions with longer battery life and up front cost savings are sweet! This unit has since been updated to the Rio Forge.
Check these also
Creative Labs Nomad MuVo TX FM
SanDisk Sansa m240/m250
SanDisk Sansa c150
Rio ce2100 2.5GB (HDD)
Thanks for the reply charper1. I want to use this player for working-out (and probably for nothing else) so I don't want to spend too much on it... max $120.